diff --git a/cmd/gateway.go b/cmd/gateway.go
index c41e90bc..e2a3b1cb 100644
--- a/cmd/gateway.go
+++ b/cmd/gateway.go
@@ -750,8 +750,9 @@ func runGateway() {
 		// the one used by pg.NewPGStores → NewPGBitrixPortalStore.
 		bitrixEncKey := os.Getenv("GOCLAW_ENCRYPTION_KEY")
 		// Use the MCP-aware factory variant so channels that opt into
-		// lazy per-user credential provisioning (via mcp_server_name +
-		// mcp_base_url in their instance config) can reach the partner's
+		// lazy per-user credential provisioning (via mcp_server_id — or
+		// the legacy mcp_server_name + mcp_base_url pair — in their
+		// instance config) can reach the partner's
 		// MCPServerStore. The MCP server authenticates each onboard call
 		// via the caller-supplied Bitrix access_token (the "Bitrix24
 		// OAuth → existing mcp_user_credentials bridge" — Bitrix-specific
diff --git a/internal/channels/bitrix24/factory.go b/internal/channels/bitrix24/factory.go
index be7e2c2f..5e21e1f6 100644
--- a/internal/channels/bitrix24/factory.go
+++ b/internal/channels/bitrix24/factory.go
@@ -88,31 +88,43 @@ type bitrixInstanceConfig struct {
 
 	// Optional MCP lazy-provisioning binding (Phase C).
 	//
-	// When MCPServerName + MCPBaseURL are set AND the factory variant that
-	// accepts a MCPServerStore is used (FactoryWithPortalStoreAndMCP), the
-	// channel tries to mint per-user MCP credentials on first message:
+	// When MCPServerID (or the legacy MCPServerName+MCPBaseURL pair) is set
+	// AND the factory variant that accepts a MCPServerStore is used
+	// (FactoryWithPortalStoreAndMCP), the channel tries to mint per-user MCP
+	// credentials on first message:
 	//
 	//   1. Channel receives message from user U with OAuth tokens in event.
 	//   2. Channel looks up MCPUserCredentials(serverID, senderID). Present
-	//      → skip. Absent → POST /api/auto-onboard on MCPBaseURL forwarding
-	//      U's OAuth tokens. MCP server authenticates the call via Bitrix
-	//      `profile` against the supplied access_token — no shared admin
-	//      secret required — and responds with a per-user api_key, which
-	//      channel stores via SetUserCredentials (the "Bitrix24 OAuth →
-	//      existing mcp_user_credentials bridge" — Bitrix-specific glue,
-	//      not a generic MCP architecture pattern).
+	//      → skip. Absent → POST /api/auto-onboard on the resolved base URL
+	//      forwarding U's OAuth tokens. MCP server authenticates the call
+	//      via Bitrix `profile` against the supplied access_token — no
+	//      shared admin secret required — and responds with a per-user
+	//      api_key, which channel stores via SetUserCredentials (the
+	//      "Bitrix24 OAuth → existing mcp_user_credentials bridge" —
+	//      Bitrix-specific glue, not a generic MCP architecture pattern).
 	//   3. Agent pipeline downstream reads those creds naturally.
 	//
 	// Best-effort: if any step fails, channel logs a warning and forwards
 	// the message anyway — agent loop will just see no creds and skip
 	// that MCP server's tools. User gets a response, albeit without MCP.
 	//
-	// Half-config fails at factory load: both fields set or both empty.
-	//
 	// Skipped entirely for Open Channel bots (bot_type=O) — transient
 	// customers don't map to tenant_users.
-	MCPServerName string `json:"mcp_server_name,omitempty"` // mcp_servers.name
-	MCPBaseURL    string `json:"mcp_base_url,omitempty"`    // HTTPS root
+	//
+	// MCPServerID is the preferred wiring since v3.15: admin picks an MCP
+	// server from the dashboard dropdown (filtered to
+	// require_user_credentials=true rows) and the channel resolves both
+	// name and URL from the mcp_servers row.
+	MCPServerID string `json:"mcp_server_id,omitempty"` // mcp_servers.id (UUID)
+
+	// Deprecated: MCPServerName + MCPBaseURL are kept for backward-compat
+	// with configs written before the MCPServerID rollout. If MCPServerID
+	// is empty and both legacy fields are set the channel falls back to
+	// GetServerByName and uses MCPBaseURL as the base URL. New configs
+	// should only set MCPServerID; Phase 5 of the refactor migrates every
+	// existing row and drops these fields.
+	MCPServerName string `json:"mcp_server_name,omitempty"` // legacy — mcp_servers.name
+	MCPBaseURL    string `json:"mcp_base_url,omitempty"`    // legacy — HTTPS root
 }
 
 // Factory is the base channels.ChannelFactory signature. Bitrix24 requires a
@@ -198,13 +210,17 @@ func FactoryWithPortalStoreAndMCP(portalStore store.BitrixPortalStore, mcpStore
 			return nil, fmt.Errorf("bitrix24: invalid bot_type %q (must be \"B\" or \"O\")", ic.BotType)
 		}
 
-		// MCP provisioning config is all-or-nothing. Catching half-config here
-		// prevents a silent "provisioning disabled but you meant to enable it"
-		// surprise — admin either sets both or neither.
+		// MCP provisioning config uses mcp_server_id (preferred) or the
+		// legacy mcp_server_name + mcp_base_url pair. Catching half-config
+		// here prevents a silent "provisioning disabled but you meant to
+		// enable it" surprise when someone only fills one of the legacy
+		// fields. The new mcp_server_id path is self-contained (server
+		// name + URL both derived from the mcp_servers row at Start()).
+		hasServerID := strings.TrimSpace(ic.MCPServerID) != ""
 		hasServerName := strings.TrimSpace(ic.MCPServerName) != ""
 		hasBaseURL := strings.TrimSpace(ic.MCPBaseURL) != ""
-		if hasServerName != hasBaseURL {
-			return nil, errors.New("bitrix24: mcp_server_name and mcp_base_url must both be set, or both empty")
+		if !hasServerID && hasServerName != hasBaseURL {
+			return nil, errors.New("bitrix24: mcp_server_name and mcp_base_url must both be set, or both empty (or use mcp_server_id)")
 		}
 
 		// Shared process-wide router. InitWebhookRouter uses sync.Once so the
diff --git a/internal/channels/bitrix24/provisioner.go b/internal/channels/bitrix24/provisioner.go
index 109592f6..5b156c91 100644
--- a/internal/channels/bitrix24/provisioner.go
+++ b/internal/channels/bitrix24/provisioner.go
@@ -5,6 +5,7 @@ import (
 	"errors"
 	"fmt"
 	"log/slog"
+	"net/url"
 	"strings"
 	"sync"
 	"time"
@@ -94,41 +95,89 @@ func (c *Channel) initMCPProvisioner(ctx context.Context) error {
 			"channel", c.Name())
 		return nil
 	}
-	if strings.TrimSpace(c.cfg.MCPServerName) == "" || strings.TrimSpace(c.cfg.MCPBaseURL) == "" {
-		slog.Debug("bitrix24 mcp: provisioning disabled (mcp_server_name or mcp_base_url empty)",
+
+	hasServerID := strings.TrimSpace(c.cfg.MCPServerID) != ""
+	hasLegacy := strings.TrimSpace(c.cfg.MCPServerName) != "" && strings.TrimSpace(c.cfg.MCPBaseURL) != ""
+	if !hasServerID && !hasLegacy {
+		slog.Debug("bitrix24 mcp: provisioning disabled (no mcp_server_id and legacy fields empty)",
 			"channel", c.Name())
 		return nil
 	}
 
-	// Resolve server name → UUID once at startup. If the server name is
-	// wrong or the row doesn't exist yet, log and disable provisioning —
-	// don't block channel startup. Admin can create the server + reload
-	// the channel later.
+	// Resolve the mcp_servers row. Preferred path: mcp_server_id (UUID
+	// dashboards write since v3.15). Fallback: legacy name lookup for
+	// configs written before the refactor and not yet migrated.
 	//
-	// PGMCPServerStore.GetServerByName scopes the lookup by tenant_id from
-	// context (multi-tenant isolation). Channel.Start receives ctx from the
-	// instance loader without that scope set — wrap it explicitly with the
-	// channel's own tenant id so the lookup matches the row a tenant admin
-	// created via `bitrix-portal create` / dashboard.
+	// GetServer / GetServerByName both scope by tenant_id from context.
+	// Channel.Start receives ctx from the instance loader without that
+	// scope set — wrap it explicitly with the channel's own tenant id so
+	// the lookup matches the row a tenant admin created via the dashboard
+	// or `bitrix-portal create`.
 	lookupCtx := ctx
 	if tid := c.TenantID(); tid != uuid.Nil {
 		lookupCtx = store.WithTenantID(ctx, tid)
 	}
-	server, err := c.mcpStore.GetServerByName(lookupCtx, c.cfg.MCPServerName)
+
+	var (
+		server *store.MCPServerData
+		err    error
+	)
+	if hasServerID {
+		serverUUID, parseErr := uuid.Parse(strings.TrimSpace(c.cfg.MCPServerID))
+		if parseErr != nil {
+			slog.Warn("bitrix24 mcp: provisioning disabled — invalid mcp_server_id",
+				"channel", c.Name(), "mcp_server_id", c.cfg.MCPServerID, "err", parseErr)
+			return nil
+		}
+		server, err = c.mcpStore.GetServer(lookupCtx, serverUUID)
+	} else {
+		server, err = c.mcpStore.GetServerByName(lookupCtx, c.cfg.MCPServerName)
+	}
 	if err != nil || server == nil {
 		slog.Warn("bitrix24 mcp: provisioning disabled — server not found",
-			"channel", c.Name(), "mcp_server_name", c.cfg.MCPServerName, "err", err)
+			"channel", c.Name(),
+			"mcp_server_id", c.cfg.MCPServerID,
+			"mcp_server_name", c.cfg.MCPServerName,
+			"err", err)
+		return nil
+	}
+
+	// Base URL sourcing: for the id-based path we derive the ORIGIN
+	// (scheme://host[:port]) from the mcp_servers row. The row's URL is
+	// the MCP JSON-RPC endpoint (e.g. https://mcp.example.com/mcp), but
+	// the /api/auto-onboard REST call the provisioner will POST expects
+	// the origin only — appending "/api/auto-onboard" to the JSON-RPC
+	// path would 404. Legacy path stays on MCPBaseURL, which historically
+	// was already the origin (admin gave us "https://mcp.example.com"),
+	// so a half-migrated fleet keeps working until Phase 5 rewrites configs.
+	baseURL := strings.TrimSpace(c.cfg.MCPBaseURL)
+	if hasServerID {
+		derived, deriveErr := deriveAutoOnboardBaseURL(server.URL)
+		if deriveErr != nil {
+			slog.Warn("bitrix24 mcp: provisioning disabled — mcp_servers.url unparseable",
+				"channel", c.Name(),
+				"mcp_server", server.Name,
+				"url", server.URL,
+				"err", deriveErr)
+			return nil
+		}
+		baseURL = derived
+	}
+	if baseURL == "" {
+		slog.Warn("bitrix24 mcp: provisioning disabled — mcp_servers row has empty url",
+			"channel", c.Name(), "mcp_server", server.Name)
 		return nil
 	}
 
 	c.mcpServerID = server.ID
-	c.mcpClient = newMCPClient(c.cfg.MCPBaseURL, 10*time.Second)
+	c.mcpClient = newMCPClient(baseURL, 10*time.Second)
 	c.mcpDebounce = make(map[mcpDebounceKey]time.Time)
 
 	slog.Info("bitrix24 mcp: provisioning enabled",
 		"channel", c.Name(),
-		"mcp_server", c.cfg.MCPServerName,
-		"mcp_server_id", server.ID)
+		"mcp_server", server.Name,
+		"mcp_server_id", server.ID,
+		"require_user_credentials", server.RequireUserCredentials)
 	return nil
 }
 
@@ -342,6 +391,47 @@ func (c *Channel) selfRefreshUserCreds(ctx context.Context, userID string, exist
 	return nil
 }
 
+// deriveAutoOnboardBaseURL strips the path/query/fragment from an MCP server
+// URL so what's left is safe to append "/api/auto-onboard" to. The
+// mcp_servers.url column stores the JSON-RPC endpoint the agent loop dials
+// for tool calls (which usually lives under a subpath like /mcp), while the
+// per-user credential-minting REST call the Bitrix24 channel makes lives at
+// the origin. This helper bridges the two conventions with a single URL
+// column so operators don't have to fill in a second field.
+//
+// Examples:
+//   - "https://mcp.example.com/mcp"       → "https://mcp.example.com"
+//   - "https://mcp.example.com/mcp/"      → "https://mcp.example.com"
+//   - "https://mcp.example.com/"          → "https://mcp.example.com"
+//   - "https://mcp.example.com"           → "https://mcp.example.com"
+//   - "http://localhost:8080/some/path"   → "http://localhost:8080"
+//
+// Returns an error when the string cannot be parsed as an absolute URL or
+// carries no host — either case would produce a nonsensical base URL for
+// the auto-onboard client and we prefer to disable provisioning rather than
+// send credentials to a bogus origin.
+func deriveAutoOnboardBaseURL(raw string) (string, error) {
+	trimmed := strings.TrimSpace(raw)
+	if trimmed == "" {
+		return "", errors.New("mcp_servers.url is empty")
+	}
+	u, err := url.Parse(trimmed)
+	if err != nil {
+		return "", fmt.Errorf("parse mcp_servers.url: %w", err)
+	}
+	if u.Scheme == "" || u.Host == "" {
+		return "", fmt.Errorf("mcp_servers.url %q has no scheme or host", trimmed)
+	}
+	// Reset every component that could turn the origin back into a full URL
+	// so a future field addition here doesn't silently break the invariant.
+	u.Path = ""
+	u.RawPath = ""
+	u.RawQuery = ""
+	u.Fragment = ""
+	u.Opaque = ""
+	return u.String(), nil
+}
+
 // tryAcquireMCPProvision atomically checks the debounce window for
 // (serverID, userID) and, if clear, records a fresh attempt — all under a
 // single lock so concurrent webhook-retry events can't both pass the gate
diff --git a/internal/channels/bitrix24/provisioner_test.go b/internal/channels/bitrix24/provisioner_test.go
index 900cb829..4dfd30bd 100644
--- a/internal/channels/bitrix24/provisioner_test.go
+++ b/internal/channels/bitrix24/provisioner_test.go
@@ -30,6 +30,7 @@ type fakeMCPStore struct {
 	mu sync.Mutex
 
 	serversByName map[string]*store.MCPServerData
+	serversByID   map[uuid.UUID]*store.MCPServerData
 	userCreds     map[string]store.MCPUserCredentials // key = serverID + ":" + userID
 
 	getUserCallCount int
@@ -39,6 +40,7 @@ type fakeMCPStore struct {
 func newFakeMCPStore() *fakeMCPStore {
 	return &fakeMCPStore{
 		serversByName: map[string]*store.MCPServerData{},
+		serversByID:   map[uuid.UUID]*store.MCPServerData{},
 		userCreds:     map[string]store.MCPUserCredentials{},
 	}
 }
@@ -81,8 +83,13 @@ func (f *fakeMCPStore) SetUserCredentials(_ context.Context, serverID uuid.UUID,
 func (f *fakeMCPStore) CreateServer(_ context.Context, _ *store.MCPServerData) error {
 	return nil
 }
-func (f *fakeMCPStore) GetServer(_ context.Context, _ uuid.UUID) (*store.MCPServerData, error) {
-	return nil, nil
+func (f *fakeMCPStore) GetServer(_ context.Context, id uuid.UUID) (*store.MCPServerData, error) {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if s, ok := f.serversByID[id]; ok {
+		return s, nil
+	}
+	return nil, nil // partner's contract: nil + nil when absent
 }
 func (f *fakeMCPStore) ListServers(_ context.Context) ([]store.MCPServerData, error) { return nil, nil }
 func (f *fakeMCPStore) UpdateServer(_ context.Context, _ uuid.UUID, _ map[string]any) error {
@@ -607,6 +614,141 @@ func TestInitMCPProvisioner_DisabledModes(t *testing.T) {
 			t.Errorf("missing server row should leave provisioner off")
 		}
 	})
+
+	// mcp_server_id path (v3.15+ dashboard wiring): the UUID string must
+	// parse and resolve to a live mcp_servers row. Broken UUID or missing
+	// row silently disables provisioning — no fallback to legacy name.
+	t.Run("mcp_server_id_invalid_uuid", func(t *testing.T) {
+		fs := newFakeStore()
+		resetWebhookRouterForTest()
+		defer resetWebhookRouterForTest()
+
+		mcpStore := newFakeMCPStore()
+
+		fn := FactoryWithPortalStoreAndMCP(fs, mcpStore, "")
+		ch, _ := fn("b1", nil, json.RawMessage(`{"portal":"p","bot_code":"c","bot_name":"n","mcp_server_id":"not-a-uuid"}`),
+			bus.New(), nil)
+		bc := ch.(*Channel)
+		if err := bc.initMCPProvisioner(context.Background()); err != nil {
+			t.Fatalf("init: %v", err)
+		}
+		if bc.mcpClient != nil || bc.mcpServerID != uuid.Nil {
+			t.Errorf("invalid mcp_server_id UUID should leave provisioner off")
+		}
+	})
+
+	t.Run("mcp_server_id_row_not_found", func(t *testing.T) {
+		fs := newFakeStore()
+		resetWebhookRouterForTest()
+		defer resetWebhookRouterForTest()
+
+		mcpStore := newFakeMCPStore()
+		// Intentionally do NOT seed serversByID — GetServer returns nil.
+
+		fn := FactoryWithPortalStoreAndMCP(fs, mcpStore, "")
+		ch, _ := fn("b1", nil, json.RawMessage(`{"portal":"p","bot_code":"c","bot_name":"n","mcp_server_id":"00000000-0000-0000-0000-000000000042"}`),
+			bus.New(), nil)
+		bc := ch.(*Channel)
+		if err := bc.initMCPProvisioner(context.Background()); err != nil {
+			t.Fatalf("init: %v", err)
+		}
+		if bc.mcpClient != nil || bc.mcpServerID != uuid.Nil {
+			t.Errorf("missing mcp_servers row for mcp_server_id should leave provisioner off")
+		}
+	})
+}
+
+// TestDeriveAutoOnboardBaseURL guards the fix for the Phase 2 regression
+// where mcp_servers.url (JSON-RPC endpoint under /mcp) was passed verbatim
+// to mcp_client.newMCPClient — which appends "/api/auto-onboard" to it,
+// producing "…/mcp/api/auto-onboard" (404). The origin extraction is the
+// contract the Bitrix24 auto-onboard client expects.
+func TestDeriveAutoOnboardBaseURL(t *testing.T) {
+	cases := []struct {
+		name string
+		in   string
+		want string
+	}{
+		{"jsonrpc subpath", "https://mcp.example.com/mcp", "https://mcp.example.com"},
+		{"jsonrpc trailing slash", "https://mcp.example.com/mcp/", "https://mcp.example.com"},
+		{"origin trailing slash", "https://mcp.example.com/", "https://mcp.example.com"},
+		{"origin only", "https://mcp.example.com", "https://mcp.example.com"},
+		{"deep path with query", "http://localhost:8080/some/path?x=1#frag", "http://localhost:8080"},
+		{"prod b24 syn mcp", "https://b24-mcp-dev.synity.so/mcp", "https://b24-mcp-dev.synity.so"},
+	}
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			got, err := deriveAutoOnboardBaseURL(tc.in)
+			if err != nil {
+				t.Fatalf("deriveAutoOnboardBaseURL(%q) unexpected error: %v", tc.in, err)
+			}
+			if got != tc.want {
+				t.Errorf("deriveAutoOnboardBaseURL(%q) = %q, want %q", tc.in, got, tc.want)
+			}
+		})
+	}
+
+	errCases := []struct {
+		name string
+		in   string
+	}{
+		{"empty", ""},
+		{"whitespace only", "   \t"},
+		{"no scheme", "mcp.example.com/mcp"},
+		{"no host", "https:///path"},
+	}
+	for _, tc := range errCases {
+		t.Run("err_"+tc.name, func(t *testing.T) {
+			if _, err := deriveAutoOnboardBaseURL(tc.in); err == nil {
+				t.Errorf("deriveAutoOnboardBaseURL(%q) expected error, got nil", tc.in)
+			}
+		})
+	}
+}
+
+// TestInitMCPProvisioner_MCPServerID exercises the v3.15+ id-based wiring:
+// mcp_server_id resolves to a live mcp_servers row whose URL becomes the
+// base URL for /api/auto-onboard. Legacy MCPServerName + MCPBaseURL are
+// ignored on this path (single source of truth).
+func TestInitMCPProvisioner_MCPServerID(t *testing.T) {
+	fs := newFakeStore()
+	resetWebhookRouterForTest()
+	defer resetWebhookRouterForTest()
+
+	mcpStore := newFakeMCPStore()
+	serverID := uuid.MustParse("019df803-ec13-76c3-b1f5-60b0e80d3eec")
+	// URL carries a /mcp subpath because that's how partner MCP servers
+	// really configure the JSON-RPC endpoint. initMCPProvisioner must
+	// strip it before handing the value to mcp_client (which appends
+	// /api/auto-onboard). Regression guard for the Phase 2 fix.
+	mcpStore.serversByID[serverID] = &store.MCPServerData{
+		BaseModel: store.BaseModel{ID: serverID},
+		Name:      "b24-syn-mcp",
+		URL:       "https://b24-mcp.example.test/mcp",
+		Enabled:   true,
+		// Field promoted from settings JSONB in Phase 89 — the provisioner
+		// reads it to log accurately and downstream provisionIfMissing
+		// respects it via manager-level checks.
+		RequireUserCredentials: true,
+	}
+
+	fn := FactoryWithPortalStoreAndMCP(fs, mcpStore, "")
+	cfg := `{"portal":"p","bot_code":"c","bot_name":"n","mcp_server_id":"019df803-ec13-76c3-b1f5-60b0e80d3eec"}`
+	ch, err := fn("b1", nil, json.RawMessage(cfg), bus.New(), nil)
+	if err != nil {
+		t.Fatalf("factory: %v", err)
+	}
+	bc := ch.(*Channel)
+	if err := bc.initMCPProvisioner(context.Background()); err != nil {
+		t.Fatalf("init: %v", err)
+	}
+
+	if bc.mcpClient == nil {
+		t.Fatalf("mcp_server_id path should wire mcpClient — got nil")
+	}
+	if bc.mcpServerID != serverID {
+		t.Errorf("mcpServerID = %s, want %s", bc.mcpServerID, serverID)
+	}
 }
 
 // newBareChannelForNotifyTest builds a Channel that's wired enough for
diff --git a/internal/http/validate.go b/internal/http/validate.go
index 8f8c0ab8..999bf051 100644
--- a/internal/http/validate.go
+++ b/internal/http/validate.go
@@ -74,7 +74,8 @@ var mcpServerAllowedFields = map[string]bool{
 	"name": true, "display_name": true, "transport": true, "command": true, "args": true,
 	"url": true, "api_key": true, "env": true, "headers": true,
 	"enabled": true, "tool_prefix": true, "timeout_sec": true,
-	"agent_id": true, "config": true, "settings": true,
+	"require_user_credentials": true,
+	"agent_id":                 true, "config": true, "settings": true,
 }
 
 var channelInstanceAllowedFields = map[string]bool{
diff --git a/internal/mcp/manager.go b/internal/mcp/manager.go
index e1374a62..04442e67 100644
--- a/internal/mcp/manager.go
+++ b/internal/mcp/manager.go
@@ -280,7 +280,10 @@ func (m *Manager) resolveServerCredentials(ctx context.Context, info store.MCPAc
 	}
 
 	// Skip server if it requires scoped/user credentials and none are present.
-	if requireUserCreds(srv.Settings) {
+	// Prefer the top-level column (Phase 89 backfilled from settings JSONB);
+	// fall back to the legacy JSONB entry for cases where a caller mutated
+	// settings directly without touching the column.
+	if srv.RequireUserCredentials || requireUserCreds(srv.Settings) {
 		if userID == "" {
 			return nil
 		}
@@ -368,7 +371,7 @@ func (m *Manager) resolveServerCredentials(ctx context.Context, info store.MCPAc
 		}
 		tenantID := store.TenantIDFromContext(ctx)
 		oauthUserID := ""
-		if requireUserCreds(srv.Settings) {
+		if srv.RequireUserCredentials || requireUserCreds(srv.Settings) {
 			oauthUserID = userID
 		}
 		token, err2 := m.oauthTokenProvider.GetValidToken(ctx, srv.ID, tenantID, oauthUserID)
@@ -441,7 +444,7 @@ func (m *Manager) LoadForAgent(ctx context.Context, agentID uuid.UUID, userID st
 	for _, info := range accessible {
 		// When loading at startup (userID=""), store servers requiring per-user
 		// credentials for later per-request resolution instead of skipping them.
-		if userID == "" && requireUserCreds(info.Server.Settings) && info.Server.Enabled {
+		if userID == "" && (info.Server.RequireUserCredentials || requireUserCreds(info.Server.Settings)) && info.Server.Enabled {
 			m.userCredServers = append(m.userCredServers, info)
 			slog.Debug("mcp.server.deferred_user_creds", "server", info.Server.Name)
 			continue
diff --git a/internal/store/mcp_store.go b/internal/store/mcp_store.go
index a49ee46d..1bc6e9b1 100644
--- a/internal/store/mcp_store.go
+++ b/internal/store/mcp_store.go
@@ -24,7 +24,13 @@ type MCPServerData struct {
 	TimeoutSec  int             `json:"timeout_sec" db:"timeout_sec"`
 	Settings    json.RawMessage `json:"settings,omitempty" db:"settings"`
 	Enabled     bool            `json:"enabled" db:"enabled"`
-	CreatedBy   string          `json:"created_by" db:"created_by"`
+	// RequireUserCredentials marks servers that mint credentials per-user at
+	// message time (e.g. Bitrix24 channel auto-onboard) instead of sharing a
+	// single admin api_key across every caller. Promoted from
+	// settings.require_user_credentials (JSONB) to a top-level column so
+	// channel factories can filter mcp_servers directly.
+	RequireUserCredentials bool   `json:"require_user_credentials" db:"require_user_credentials"`
+	CreatedBy              string `json:"created_by" db:"created_by"`
 }
 
 // MCPAgentGrant represents an MCP server grant to an agent.
diff --git a/internal/store/pg/mcp_export_queries.go b/internal/store/pg/mcp_export_queries.go
index 730c0376..cc05cb22 100644
--- a/internal/store/pg/mcp_export_queries.go
+++ b/internal/store/pg/mcp_export_queries.go
@@ -20,9 +20,10 @@ type MCPServerExport struct {
 	Args        json.RawMessage `json:"args,omitempty"`
 	URL         string          `json:"url,omitempty"`
 	ToolPrefix  string          `json:"tool_prefix,omitempty"`
-	TimeoutSec  int             `json:"timeout_sec"`
-	Settings    json.RawMessage `json:"settings,omitempty"`
-	Enabled     bool            `json:"enabled"`
+	TimeoutSec     int             `json:"timeout_sec"`
+	Settings       json.RawMessage `json:"settings,omitempty"`
+	Enabled        bool            `json:"enabled"`
+	RequireUserCredentials bool `json:"require_user_credentials,omitempty"`
 }
 
 // MCPGrantWithKey references an MCP agent grant by server_name and agent_key (portable).
@@ -51,7 +52,7 @@ func ExportMCPServers(ctx context.Context, db *sql.DB) ([]MCPServerExport, error
 	rows, err := db.QueryContext(ctx,
 		"SELECT name, COALESCE(display_name,''), transport,"+
 			" COALESCE(command,''), args, COALESCE(url,''),"+
-			" COALESCE(tool_prefix,''), timeout_sec, settings, enabled"+
+			" COALESCE(tool_prefix,''), timeout_sec, settings, enabled, require_user_credentials"+
 			" FROM mcp_servers WHERE 1=1"+tc+
 			" ORDER BY name",
 		tcArgs...,
@@ -71,7 +72,7 @@ func ExportMCPServers(ctx context.Context, db *sql.DB) ([]MCPServerExport, error
 		if err := rows.Scan(
 			&srv.Name, &srv.DisplayName, &srv.Transport,
 			&srv.Command, &argsRaw, &srv.URL,
-			&srv.ToolPrefix, &srv.TimeoutSec, &settings, &srv.Enabled,
+			&srv.ToolPrefix, &srv.TimeoutSec, &settings, &srv.Enabled, &srv.RequireUserCredentials,
 		); err != nil {
 			slog.Warn("mcp_export.servers.scan", "error", err)
 			continue
@@ -185,12 +186,12 @@ func ImportMCPServer(ctx context.Context, db *sql.DB, srv MCPServerExport, creat
 	_, err = db.ExecContext(ctx,
 		`INSERT INTO mcp_servers
 		   (id, name, display_name, transport, command, args, url,
-		    tool_prefix, timeout_sec, settings, enabled,
+		    tool_prefix, timeout_sec, settings, enabled, require_user_credentials,
 		    created_by, created_at, updated_at, tenant_id)
-		 VALUES ($1,$2,$3,$4,$5,$6,$7,$8,$9,$10,$11,$12,NOW(),NOW(),$13)`,
+		 VALUES ($1,$2,$3,$4,$5,$6,$7,$8,$9,$10,$11,$12,$13,NOW(),NOW(),$14)`,
 		id, srv.Name, srv.DisplayName, srv.Transport,
 		srv.Command, jsonOrNull(srv.Args), srv.URL,
-		srv.ToolPrefix, srv.TimeoutSec, jsonOrNull(srv.Settings), srv.Enabled,
+		srv.ToolPrefix, srv.TimeoutSec, jsonOrNull(srv.Settings), srv.Enabled, srv.RequireUserCredentials,
 		createdBy, tid,
 	)
 	if err != nil {
diff --git a/internal/store/pg/mcp_servers.go b/internal/store/pg/mcp_servers.go
index 461dfd26..f0974c55 100644
--- a/internal/store/pg/mcp_servers.go
+++ b/internal/store/pg/mcp_servers.go
@@ -56,12 +56,12 @@ func (s *PGMCPServerStore) CreateServer(ctx context.Context, srv *store.MCPServe
 
 	_, err := s.db.ExecContext(ctx,
 		`INSERT INTO mcp_servers (id, name, display_name, transport, command, args, url, headers, env,
-		 api_key, tool_prefix, timeout_sec, settings, enabled, created_by, created_at, updated_at, tenant_id)
-		 VALUES ($1,$2,$3,$4,$5,$6,$7,$8,$9,$10,$11,$12,$13,$14,$15,$16,$17,$18)`,
+		 api_key, tool_prefix, timeout_sec, settings, enabled, require_user_credentials, created_by, created_at, updated_at, tenant_id)
+		 VALUES ($1,$2,$3,$4,$5,$6,$7,$8,$9,$10,$11,$12,$13,$14,$15,$16,$17,$18,$19)`,
 		srv.ID, srv.Name, nilStr(srv.DisplayName), srv.Transport, nilStr(srv.Command),
 		jsonOrEmpty(srv.Args), nilStr(srv.URL), encHeaders, encEnv,
 		nilStr(apiKey), nilStr(srv.ToolPrefix), srv.TimeoutSec,
-		jsonOrEmpty(srv.Settings), srv.Enabled, srv.CreatedBy, now, now, tenantID,
+		jsonOrEmpty(srv.Settings), srv.Enabled, srv.RequireUserCredentials, srv.CreatedBy, now, now, tenantID,
 	)
 	return err
 }
@@ -69,7 +69,7 @@ func (s *PGMCPServerStore) CreateServer(ctx context.Context, srv *store.MCPServe
 const mcpServerSelectCols = `id, name, COALESCE(display_name, '') AS display_name, transport,
 		 COALESCE(command, '') AS command, args, COALESCE(url, '') AS url, headers, env,
 		 COALESCE(api_key, '') AS api_key, COALESCE(tool_prefix, '') AS tool_prefix,
-		 timeout_sec, settings, enabled, created_by, created_at, updated_at`
+		 timeout_sec, settings, enabled, require_user_credentials, created_by, created_at, updated_at`
 
 func (s *PGMCPServerStore) GetServer(ctx context.Context, id uuid.UUID) (*store.MCPServerData, error) {
 	q := `SELECT ` + mcpServerSelectCols + ` FROM mcp_servers WHERE id = $1`
diff --git a/internal/store/sqlitestore/mcp_servers.go b/internal/store/sqlitestore/mcp_servers.go
index b2185d68..e36aca7c 100644
--- a/internal/store/sqlitestore/mcp_servers.go
+++ b/internal/store/sqlitestore/mcp_servers.go
@@ -17,7 +17,7 @@ import (
 )
 
 const mcpServerSelectCols = `id, name, display_name, transport, command, args, url, headers, env,
-		 api_key, tool_prefix, timeout_sec, settings, enabled, created_by, created_at, updated_at`
+		 api_key, tool_prefix, timeout_sec, settings, enabled, require_user_credentials, created_by, created_at, updated_at`
 
 // SQLiteMCPServerStore implements store.MCPServerStore backed by SQLite.
 type SQLiteMCPServerStore struct {
@@ -59,12 +59,12 @@ func (s *SQLiteMCPServerStore) CreateServer(ctx context.Context, srv *store.MCPS
 
 	_, err := s.db.ExecContext(ctx,
 		`INSERT INTO mcp_servers (id, name, display_name, transport, command, args, url, headers, env,
-		 api_key, tool_prefix, timeout_sec, settings, enabled, created_by, created_at, updated_at, tenant_id)
-		 VALUES (?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?)`,
+		 api_key, tool_prefix, timeout_sec, settings, enabled, require_user_credentials, created_by, created_at, updated_at, tenant_id)
+		 VALUES (?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?,?)`,
 		srv.ID, srv.Name, nilStr(srv.DisplayName), srv.Transport, nilStr(srv.Command),
 		jsonOrEmpty(srv.Args), nilStr(srv.URL), encHeaders, encEnv,
 		nilStr(apiKey), nilStr(srv.ToolPrefix), srv.TimeoutSec,
-		jsonOrEmpty(srv.Settings), srv.Enabled, srv.CreatedBy, now, now, tenantID,
+		jsonOrEmpty(srv.Settings), srv.Enabled, srv.RequireUserCredentials, srv.CreatedBy, now, now, tenantID,
 	)
 	return err
 }
diff --git a/internal/store/sqlitestore/schema.go b/internal/store/sqlitestore/schema.go
index ce220203..173f56bc 100644
--- a/internal/store/sqlitestore/schema.go
+++ b/internal/store/sqlitestore/schema.go
@@ -16,7 +16,7 @@ var schemaSQL string
 
 // SchemaVersion is the current SQLite schema version.
 // Bump this when adding new migration steps below.
-const SchemaVersion = 55
+const SchemaVersion = 57
 
 // migrations maps version → SQL to apply when upgrading FROM that version.
 // schema.sql always represents the LATEST full schema (for fresh DBs).
@@ -898,6 +898,45 @@ ALTER TABLE usage_event_rollups ADD COLUMN thinking_tokens BIGINT NOT NULL DEFAU
 CREATE INDEX IF NOT EXISTS idx_channel_pending_messages_parent
   ON channel_pending_messages(channel_name, parent_history_key)
   WHERE parent_history_key <> '';`,
+	// Version 55 → 56: promote require_user_credentials from settings JSONB
+	// to a top-level column so channel factories can filter directly.
+	// Backfill reads the legacy JSONB via json_extract so no admin needs to
+	// re-tick after upgrading. Mirrors PG migration 000092. Idempotent-guarded
+	// via idempotentColumnMigration(55).
+	55: `ALTER TABLE mcp_servers ADD COLUMN require_user_credentials BOOLEAN NOT NULL DEFAULT 0;
+UPDATE mcp_servers
+   SET require_user_credentials = COALESCE(CAST(json_extract(settings, '$.require_user_credentials') AS INTEGER), 0)
+ WHERE settings IS NOT NULL
+   AND json_extract(settings, '$.require_user_credentials') IS NOT NULL;`,
+	// Version 56 → 57: backfill Bitrix24 channel_instances.config with
+	// mcp_server_id by resolving the legacy mcp_server_name against
+	// mcp_servers (matched on the channel's agent tenant_id since
+	// channel_instances doesn't carry tenant_id directly). Mirrors PG
+	// migration 000093. Idempotent — only touches rows without an
+	// existing mcp_server_id key.
+	56: `UPDATE channel_instances
+        SET config = json_set(
+                COALESCE(config, '{}'),
+                '$.mcp_server_id',
+                (SELECT srv.id
+                   FROM mcp_servers srv
+                  WHERE srv.name = json_extract(channel_instances.config, '$.mcp_server_name')
+                    AND srv.tenant_id = (
+                        SELECT a.tenant_id FROM agents a WHERE a.id = channel_instances.agent_id
+                    )
+                  LIMIT 1)
+        ),
+            updated_at = strftime('%Y-%m-%dT%H:%M:%fZ', 'now')
+      WHERE channel_type = 'bitrix24'
+        AND json_extract(config, '$.mcp_server_name') IS NOT NULL
+        AND json_extract(config, '$.mcp_server_id') IS NULL
+        AND EXISTS (
+            SELECT 1 FROM mcp_servers srv
+             WHERE srv.name = json_extract(channel_instances.config, '$.mcp_server_name')
+               AND srv.tenant_id = (
+                   SELECT a.tenant_id FROM agents a WHERE a.id = channel_instances.agent_id
+               )
+        );`,
 }
 
 const addUsageEventAnalyticsTables = `
@@ -1549,6 +1588,8 @@ func idempotentColumnMigration(version int) (string, string, bool) {
 		return "secure_cli_binaries", "adapter_name", true
 	case 51:
 		return "webhook_calls", "last_heartbeat_at", true
+	case 55:
+		return "mcp_servers", "require_user_credentials", true
 	default:
 		return "", "", false
 	}
diff --git a/internal/store/sqlitestore/schema.sql b/internal/store/sqlitestore/schema.sql
index e49e35c9..c6856b46 100644
--- a/internal/store/sqlitestore/schema.sql
+++ b/internal/store/sqlitestore/schema.sql
@@ -692,6 +692,13 @@ CREATE TABLE IF NOT EXISTS mcp_servers (
     timeout_sec  INT DEFAULT 60,
     settings     TEXT NOT NULL DEFAULT '{}',
     enabled      BOOLEAN NOT NULL DEFAULT 1,
+    -- require_user_credentials mirrors settings.require_user_credentials but
+    -- promoted to a top-level column so the Bitrix24 channel factory can
+    -- filter mcp_servers directly (indexable) rather than parse the full
+    -- JSONB per row. false = shared admin api_key applies to every caller.
+    -- true = the server mints credentials per-user at message time (Bitrix24
+    -- auto-onboard etc.).
+    require_user_credentials BOOLEAN NOT NULL DEFAULT 0,
     created_by   VARCHAR(255) NOT NULL,
     tenant_id    TEXT NOT NULL REFERENCES tenants(id),
     created_at   TEXT DEFAULT (strftime('%Y-%m-%dT%H:%M:%fZ', 'now')),
diff --git a/internal/store/sqlitestore/sqlx_scan_structs.go b/internal/store/sqlitestore/sqlx_scan_structs.go
index ffedd8c3..64a1144e 100644
--- a/internal/store/sqlitestore/sqlx_scan_structs.go
+++ b/internal/store/sqlitestore/sqlx_scan_structs.go
@@ -104,28 +104,30 @@ type mcpServerRow struct {
 	ToolPrefix  *string         `json:"tool_prefix" db:"tool_prefix"`
 	TimeoutSec  int             `json:"timeout_sec" db:"timeout_sec"`
 	Settings    json.RawMessage `json:"settings" db:"settings"`
-	Enabled     bool            `json:"enabled" db:"enabled"`
-	CreatedBy   string          `json:"created_by" db:"created_by"`
-	CreatedAt   sqliteTime      `json:"created_at" db:"created_at"`
-	UpdatedAt   sqliteTime      `json:"updated_at" db:"updated_at"`
+	Enabled        bool       `json:"enabled" db:"enabled"`
+	RequireUserCredentials bool `json:"require_user_credentials" db:"require_user_credentials"`
+	CreatedBy      string     `json:"created_by" db:"created_by"`
+	CreatedAt      sqliteTime `json:"created_at" db:"created_at"`
+	UpdatedAt      sqliteTime `json:"updated_at" db:"updated_at"`
 }
 
 func (r *mcpServerRow) toMCPServerData() store.MCPServerData {
 	return store.MCPServerData{
-		BaseModel:   store.BaseModel{ID: r.ID, CreatedAt: r.CreatedAt.Time, UpdatedAt: r.UpdatedAt.Time},
-		Name:        r.Name,
-		DisplayName: derefStr(r.DisplayName),
-		Transport:   r.Transport,
-		Command:     derefStr(r.Command),
-		Args:        r.Args,
-		URL:         derefStr(r.URL),
-		Headers:     r.Headers,
-		Env:         r.Env,
-		APIKey:      derefStr(r.APIKey),
-		ToolPrefix:  derefStr(r.ToolPrefix),
-		TimeoutSec:  r.TimeoutSec,
-		Settings:    r.Settings,
-		Enabled:     r.Enabled,
-		CreatedBy:   r.CreatedBy,
+		BaseModel:      store.BaseModel{ID: r.ID, CreatedAt: r.CreatedAt.Time, UpdatedAt: r.UpdatedAt.Time},
+		Name:           r.Name,
+		DisplayName:    derefStr(r.DisplayName),
+		Transport:      r.Transport,
+		Command:        derefStr(r.Command),
+		Args:           r.Args,
+		URL:            derefStr(r.URL),
+		Headers:        r.Headers,
+		Env:            r.Env,
+		APIKey:         derefStr(r.APIKey),
+		ToolPrefix:     derefStr(r.ToolPrefix),
+		TimeoutSec:     r.TimeoutSec,
+		Settings:       r.Settings,
+		Enabled:        r.Enabled,
+		RequireUserCredentials: r.RequireUserCredentials,
+		CreatedBy:      r.CreatedBy,
 	}
 }
diff --git a/internal/upgrade/version.go b/internal/upgrade/version.go
index a4e76ba7..89320e8b 100644
--- a/internal/upgrade/version.go
+++ b/internal/upgrade/version.go
@@ -2,4 +2,4 @@ package upgrade
 
 // RequiredSchemaVersion is the schema migration version this binary requires.
 // Bump this whenever adding a new SQL migration file.
-const RequiredSchemaVersion uint = 91
+const RequiredSchemaVersion uint = 93
diff --git a/migrations/000092_add_require_user_credentials_to_mcp_servers.down.sql b/migrations/000092_add_require_user_credentials_to_mcp_servers.down.sql
new file mode 100644
index 00000000..266d20cb
--- /dev/null
+++ b/migrations/000092_add_require_user_credentials_to_mcp_servers.down.sql
@@ -0,0 +1 @@
+ALTER TABLE mcp_servers DROP COLUMN IF EXISTS require_user_credentials;
diff --git a/migrations/000092_add_require_user_credentials_to_mcp_servers.up.sql b/migrations/000092_add_require_user_credentials_to_mcp_servers.up.sql
new file mode 100644
index 00000000..a68e104b
--- /dev/null
+++ b/migrations/000092_add_require_user_credentials_to_mcp_servers.up.sql
@@ -0,0 +1,16 @@
+-- Promote the require_user_credentials flag from settings JSONB to a top-level
+-- column so channel factories can filter mcp_servers directly (indexable) and
+-- reduce the "read the whole JSONB" cost paid on every message.
+--
+-- The JSONB entry stays in place for one release cycle for legacy readers
+-- (internal/mcp/manager.go:requireUserCreds); a later migration removes it
+-- once all callers are on the column.
+ALTER TABLE mcp_servers
+    ADD COLUMN IF NOT EXISTS require_user_credentials BOOLEAN NOT NULL DEFAULT false;
+
+-- Backfill the column from existing settings blobs so no admin has to
+-- re-tick the checkbox after upgrading.
+UPDATE mcp_servers
+   SET require_user_credentials = COALESCE((settings->>'require_user_credentials')::boolean, false)
+ WHERE settings IS NOT NULL
+   AND settings ? 'require_user_credentials';
diff --git a/migrations/000093_backfill_bitrix24_mcp_server_id.down.sql b/migrations/000093_backfill_bitrix24_mcp_server_id.down.sql
new file mode 100644
index 00000000..6c8bfbbe
--- /dev/null
+++ b/migrations/000093_backfill_bitrix24_mcp_server_id.down.sql
@@ -0,0 +1,9 @@
+-- Revert the backfill by dropping the mcp_server_id key from Bitrix24
+-- channel_instances configs. The legacy mcp_server_name + mcp_base_url pair
+-- was never touched by the up migration, so provisioning falls back to it
+-- automatically once the new key is gone.
+UPDATE channel_instances
+   SET config = config - 'mcp_server_id',
+       updated_at = NOW()
+ WHERE channel_type = 'bitrix24'
+   AND config ? 'mcp_server_id';
diff --git a/migrations/000093_backfill_bitrix24_mcp_server_id.up.sql b/migrations/000093_backfill_bitrix24_mcp_server_id.up.sql
new file mode 100644
index 00000000..3d2f78d8
--- /dev/null
+++ b/migrations/000093_backfill_bitrix24_mcp_server_id.up.sql
@@ -0,0 +1,25 @@
+-- Backfill channel_instances.config -> mcp_server_id for Bitrix24 channels that
+-- currently store the legacy mcp_server_name. Resolves the name to a UUID via
+-- mcp_servers (scoped to the channel agent's tenant) so the new MCP dropdown
+-- and factory path (Phase 89) can drive lookups without touching the legacy
+-- mcp_server_name / mcp_base_url pair.
+--
+-- Idempotent: only touches rows where config already carries the legacy
+-- mcp_server_name AND does not yet carry mcp_server_id. Rows whose name does
+-- not resolve to any mcp_servers row in the same tenant are left alone -- the
+-- factory falls back to the legacy pair for them until an admin opens the
+-- channel form and picks a server from the dropdown.
+UPDATE channel_instances ci
+   SET config = jsonb_set(
+        COALESCE(ci.config, '{}'::jsonb),
+        '{mcp_server_id}',
+        to_jsonb(srv.id::text)
+   ),
+       updated_at = NOW()
+  FROM mcp_servers srv, agents a
+ WHERE ci.channel_type = 'bitrix24'
+   AND ci.config ? 'mcp_server_name'
+   AND NOT (ci.config ? 'mcp_server_id')
+   AND ci.config->>'mcp_server_name' = srv.name
+   AND ci.agent_id = a.id
+   AND a.tenant_id = srv.tenant_id;
diff --git a/ui/desktop/frontend/src/types/mcp.ts b/ui/desktop/frontend/src/types/mcp.ts
index 22322916..c2edc4d8 100644
--- a/ui/desktop/frontend/src/types/mcp.ts
+++ b/ui/desktop/frontend/src/types/mcp.ts
@@ -12,6 +12,8 @@ export interface MCPServerData {
   timeout_sec: number
   settings?: { require_user_credentials?: boolean }
   enabled: boolean
+  /** Top-level twin of `settings.require_user_credentials` (Phase 89 rollout). */
+  require_user_credentials?: boolean
   created_by: string
   agent_count?: number
   created_at: string
@@ -30,6 +32,8 @@ export interface MCPServerInput {
   tool_prefix?: string
   timeout_sec?: number
   enabled?: boolean
+  /** Top-level flag written since Phase 89; backends still accept the legacy JSONB entry. */
+  require_user_credentials?: boolean
 }
 
 export interface MCPAgentGrant {
diff --git a/ui/web/src/pages/channels/bitrix24/mcp-server-select.tsx b/ui/web/src/pages/channels/bitrix24/mcp-server-select.tsx
new file mode 100644
index 00000000..5b29b0f2
--- /dev/null
+++ b/ui/web/src/pages/channels/bitrix24/mcp-server-select.tsx
@@ -0,0 +1,70 @@
+import { useMemo } from "react";
+import {
+  Select,
+  SelectContent,
+  SelectItem,
+  SelectTrigger,
+  SelectValue,
+} from "@/components/ui/select";
+import { useMCP } from "@/pages/mcp/hooks/use-mcp";
+import type { MCPServerData } from "@/types/mcp";
+
+/**
+ * Dropdown picker over MCP servers whose `require_user_credentials` flag is
+ * true — the population channels can meaningfully auto-onboard against.
+ *
+ * The list comes from the same `useMCP()` query the MCP admin page uses so
+ * cache is shared and the filter is a cheap client-side pass (~10 servers
+ * per portal on realistic setups). Legacy `mcp_server_name` fallback is
+ * handled at the Bitrix24 factory layer; this component only writes UUIDs.
+ */
+interface MCPServerSelectProps {
+  value: string;
+  onChange: (value: string | undefined) => void;
+  placeholder?: string;
+  disabled?: boolean;
+}
+
+const CLEAR_VALUE = "__none__";
+
+export function MCPServerSelect({ value, onChange, placeholder, disabled }: MCPServerSelectProps) {
+  const { servers, loading } = useMCP();
+
+  const perUserServers = useMemo<MCPServerData[]>(
+    () =>
+      (servers ?? []).filter(
+        (s) => s.require_user_credentials || s.settings?.require_user_credentials,
+      ),
+    [servers],
+  );
+
+  const selectValue = value && value !== "" ? value : CLEAR_VALUE;
+
+  return (
+    <div className="grid gap-1.5">
+      <Select
+        value={selectValue}
+        onValueChange={(next) => onChange(next === CLEAR_VALUE ? undefined : next)}
+        disabled={disabled || loading}
+      >
+        <SelectTrigger>
+          <SelectValue placeholder={placeholder ?? (loading ? "Loading MCP servers…" : "Select an MCP server (optional)")} />
+        </SelectTrigger>
+        <SelectContent>
+          <SelectItem value={CLEAR_VALUE}>— None (disable MCP provisioning) —</SelectItem>
+          {perUserServers.length === 0 && !loading && (
+            <SelectItem value="__empty__" disabled>
+              No per-user MCP servers registered
+            </SelectItem>
+          )}
+          {perUserServers.map((srv) => (
+            <SelectItem key={srv.id} value={srv.id}>
+              {srv.display_name?.trim() || srv.name}
+              {srv.url ? <span className="ml-2 text-xs text-muted-foreground">({srv.url})</span> : null}
+            </SelectItem>
+          ))}
+        </SelectContent>
+      </Select>
+    </div>
+  );
+}
diff --git a/ui/web/src/pages/channels/channel-fields.tsx b/ui/web/src/pages/channels/channel-fields.tsx
index 4716df13..7e3727fb 100644
--- a/ui/web/src/pages/channels/channel-fields.tsx
+++ b/ui/web/src/pages/channels/channel-fields.tsx
@@ -17,6 +17,7 @@ import { SkillNameSelect } from "@/components/shared/skill-name-select";
 import { ProviderModelSelect } from "@/components/shared/provider-model-select";
 import { InfoLabel } from "@/components/shared/info-label";
 import { BitrixPortalSelect } from "./bitrix24/bitrix-portal-select";
+import { MCPServerSelect } from "./bitrix24/mcp-server-select";
 import { deliveryModelKey, isDeliveryModelKey, isDeliveryProviderKey } from "./channel-delivery-provider-fields";
 import type { FieldDef } from "./channel-schemas";
 
@@ -424,6 +425,19 @@ function FieldRenderer({
         </div>
       );
 
+    case "mcp-select":
+      return (
+        <div className="grid gap-1.5">
+          <FieldLabel htmlFor={id} text={label} tip={tooltipHelp} />
+          <MCPServerSelect
+            value={(value as string) ?? ""}
+            onChange={onChange}
+            placeholder={field.placeholder}
+          />
+          {inlineHelp && <p className="text-xs text-muted-foreground">{inlineHelp}</p>}
+        </div>
+      );
+
     case "tags":
       return (
         <div className="grid gap-1.5">
diff --git a/ui/web/src/pages/channels/channel-schemas.ts b/ui/web/src/pages/channels/channel-schemas.ts
index 37938ee7..e1d9ccf0 100644
--- a/ui/web/src/pages/channels/channel-schemas.ts
+++ b/ui/web/src/pages/channels/channel-schemas.ts
@@ -5,7 +5,7 @@ import { reasoningDeliveryOptions } from "./reasoning-delivery-config";
 export interface FieldDef {
   key: string;
   label: string;
-  type: "text" | "password" | "number" | "boolean" | "select" | "multi-select" | "tags" | "tristate" | "textarea" | "tool-select" | "skill-select";
+  type: "text" | "password" | "number" | "boolean" | "select" | "multi-select" | "tags" | "tristate" | "textarea" | "tool-select" | "skill-select" | "mcp-select";
   placeholder?: string;
   required?: boolean;
   defaultValue?: string | number | boolean | string[];
@@ -298,8 +298,14 @@ export const configSchema: Record<string, FieldDef[]> = {
     { key: "allow_from", label: "Allowed Users (DM)", type: "tags", help: "Bitrix24 user IDs allowed to DM the bot. Empty = no allowlist filter." },
     { key: "group_allow_from", label: "Allowed Users (Group)", type: "tags", help: "Separate allowlist for group senders." },
     ...chatBehaviorOverrideFields,
-    { key: "mcp_server_name", label: "MCP Server Name", type: "text", advanced: true, placeholder: "bitrix24-prod", help: "Optional — name from mcp_servers table. Must be set together with MCP Base URL to enable per-user MCP credential auto-onboard. Leave both empty to disable." },
-    { key: "mcp_base_url", label: "MCP Base URL", type: "text", advanced: true, placeholder: "https://mcp.example.com", help: "Optional — HTTPS root of the partner MCP server. Channel POSTs {mcp_base_url}/api/auto-onboard to mint per-user credentials on first-sight. The MCP server authenticates each call via the caller's Bitrix access_token, so no admin secret is required." },
+    // Preferred single-select input backed by mcp_servers.require_user_credentials.
+    // Base URL is resolved from the selected row at Start() — no separate field needed.
+    { key: "mcp_server_id", label: "MCP Server", type: "mcp-select", help: "Optional — pick a per-user MCP server (only servers with \"Require user credentials\" ticked appear here). Channel POSTs {server.url}/api/auto-onboard on first-sight to mint the caller's per-user credential. Leave empty to disable MCP provisioning for this channel." },
+    // Legacy string fields — kept for backward-compat with configs written before
+    // the mcp_server_id rollout. Phase 5 migrates every existing channel to
+    // mcp_server_id and drops these entries.
+    { key: "mcp_server_name", label: "MCP Server Name (legacy)", type: "text", advanced: true, placeholder: "bitrix24-prod", help: "Deprecated — use \"MCP Server\" dropdown instead. Kept for backward-compat with pre-Phase-89 configs; will be removed once every channel is migrated." },
+    { key: "mcp_base_url", label: "MCP Base URL (legacy)", type: "text", advanced: true, placeholder: "https://mcp.example.com", help: "Deprecated — see the \"MCP Server\" dropdown. Legacy base URL used only when the new dropdown is empty and the legacy name is set." },
   ],
 };
 
diff --git a/ui/web/src/pages/mcp/mcp-form-dialog.tsx b/ui/web/src/pages/mcp/mcp-form-dialog.tsx
index 07254a85..2f3d3df3 100644
--- a/ui/web/src/pages/mcp/mcp-form-dialog.tsx
+++ b/ui/web/src/pages/mcp/mcp-form-dialog.tsx
@@ -100,7 +100,10 @@ export function MCPFormDialog({ open, onOpenChange, server, onSubmit, onTest, on
         toolPrefix: server?.tool_prefix ?? "",
         timeout: server?.timeout_sec ?? 60,
         enabled: server?.enabled ?? true,
-        requireUserCreds: server?.settings?.require_user_credentials ?? false,
+        // Prefer the top-level column (Phase 89 backfilled from settings JSONB);
+        // fall back to the legacy settings entry so cached responses from
+        // pre-upgrade backends still render the checkbox with the right value.
+        requireUserCreds: server?.require_user_credentials ?? server?.settings?.require_user_credentials ?? false,
         toolHintsGlobal: server?.settings?.tool_hints?.global ?? "",
         toolHintsTools: server?.settings?.tool_hints?.tools ?? {},
         oauthEnabled: oauth?.auth_type === "oauth",
@@ -190,6 +193,10 @@ export function MCPFormDialog({ open, onOpenChange, server, onSubmit, onTest, on
       timeout_sec: data.timeout,
       settings,
       enabled: data.enabled,
+      // Send the promoted top-level flag alongside the legacy settings
+      // twin so both backends (pre- and post-Phase 89) stay in sync during
+      // the migration window. Phase 5 drops the settings entry.
+      require_user_credentials: data.requireUserCreds,
     };
   };
 
diff --git a/ui/web/src/types/mcp.ts b/ui/web/src/types/mcp.ts
index 2f88299b..3877ec2a 100644
--- a/ui/web/src/types/mcp.ts
+++ b/ui/web/src/types/mcp.ts
@@ -41,6 +41,14 @@ export interface MCPServerData {
   timeout_sec: number;
   settings?: MCPServerSettings;
   enabled: boolean;
+  /**
+   * True when the server mints credentials per-user at message time
+   * (Bitrix24 auto-onboard etc.). Promoted from `settings.require_user_credentials`
+   * to a top-level column; the settings entry stays for one release cycle
+   * so legacy readers keep working. Prefer this field over the settings
+   * entry when both are present.
+   */
+  require_user_credentials?: boolean;
   created_by: string;
   agent_count?: number;
   created_at: string;
@@ -60,6 +68,12 @@ export interface MCPServerInput {
   timeout_sec?: number;
   settings?: MCPServerSettings;
   enabled?: boolean;
+  /**
+   * Top-level twin of `settings.require_user_credentials`. Send both while
+   * the server backend is still on the migration window (readers may hit
+   * either field); after Phase 5 lands the settings entry disappears.
+   */
+  require_user_credentials?: boolean;
 }
 
 export interface MCPToolInfo {